Here are a selection of useful links that you can use to work out your finances:

South Essex Homes’ Specialist Income Management Team are happy to help you to effectively budget your finances - which will be a useful skill to learn ready for when Universal Credit is introduced.Contact our friendly team on 0800 0234 057 or email incomemanagement@seh.southend.gov.uk

The Community Development Team at South Essex Homes can support you through the changes to benefits in a number of ways - including helping you to get online. Call the team direct on 01702 212650 to find out more.

Southend-on-Sea Borough Council Housing Benefit/Housing Service. Your local authority can help you to find out exactly how these changes will affect you. Check out their website: www.southend.gov.uk

You can get more information about Housing Benefit at www.direct.gov.uk. Directgov provides information on public services in one place.This website includes a benefit cap calculator so you can find out if the cap will apply to you. It only takes a few minutes to complete. Click here for a direct link to the benefit cap calculator.

The Citizens Advice Bureau provides a wide range of confidential advice.Southend Citizens Advice Bureau can be contacted on 0844 477 0808 or visit their website: www.southendcab.org.uk.Alternatively, visit the national CAB website at www.citizensadvice.org.uk.